Top 6 accounts payable software and tools in the US in 2025

The global accounts payable automation market is projected to grow from $4.48 billion in 2024 to $5.44 billion in 2025, representing a compound annual growth rate (CAGR) of 21.4%. By 2029, the market is expected to reach $11.81 billion, maintaining that same growth rate over the 2024–2029 period.

This surge is driven by the growing need for digital tools that reduce manual workloads, improve accuracy, and enhance financial visibility. Accounts payable (AP) software helps businesses automate and improve the process of managing and paying invoices, enabling faster and more reliable payments to vendors and suppliers.

With dozens of tools available on the market, it can be challenging to determine which solution is best suited for your business. In this guide, we compare six of the top AP software platforms available in the US in 2025, based on features, ease of use, pricing, and scalability.

How does accounts payable software work?

AP software works by digitizing and automating various aspects of the accounts payable process. Modern AP software captures invoice data through optical character recognition (OCR) technology, automatically scanning and extracting key information from both paper and digital invoices. Once captured, the software routes invoices through predefined approval workflows based on company policies. 

When an invoice arrives, the system verifies it against purchase orders and receipts, then schedules payments according to the terms. Throughout this process, the software integrates with accounting systems, enabling simple reconciliation and maintaining accurate financial records in real time.

The top 5 accounts payable software solutions in 2025

We’ve rounded up six of the most effective AP automation tools for US businesses, highlighting key features, pricing, and what makes each one unique.

• Airwallex is a comprehensive financial platform that offers integrated AP functionality alongside multi-currency accounts and competitive foreign exchange (FX) rates. It supports international bill payments and expense management, making it ideal for businesses with global operations.

• Tipalti is a cloud-based payables automation platform designed to streamline the AP lifecycle, from invoice capture to global mass payouts. With built-in tax compliance, supplier onboarding, and multi-entity support, Tipalti is ideal for mid-sized to enterprise businesses with complex workflows and multi-subsidiary operations.

• Ramp combines light AP automation with spend management in a single, modern platform. It enables businesses to capture invoices, automate approval flows, and make payments via ACH, check, or card – all while maintaining real-time visibility into company-wide spend.

• QuickBooks provides basic yet effective accounts payable (AP) features for small businesses, including bill entry, due date tracking, and vendor management. While it lacks advanced automation, it integrates easily with banking and payment tools, making it a practical choice for companies looking for simplicity and accessibility in their AP processes.

• Sage Intacct delivers powerful AP automation with configurable workflows, real-time dashboards, and audit-ready reporting. Designed for finance teams that need control and visibility across entities and currencies, Sage Intacct helps streamline approvals and optimize working capital for mid-sized and enterprise businesses.

• NetSuite offers a unified ERP solution with integrated accounts payable capabilities, including automated invoice entry, multi-level approvals, and seamless reconciliation. Its deep accounting features and customizable workflows make it well-suited for businesses with complex procurement-to-pay requirements and a need for scale.

Top features to look for in accounts payable software

The most effective accounts payable software improves efficiency, reduces costs, and supports business growth. Look for tools that automate invoice capture, support multi-level approvals, and integrate directly with your accounting system.

While legacy systems often require manual file uploads (such as CSV or BACS), modern platforms like Airwallex eliminate these steps with direct bank integrations, real-time reconciliation, and configurable workflows, helping finance teams work faster and with greater accuracy.

Here are some of the most valuable features to prioritize when evaluating AP solutions:

• Invoice processing automation: Automated data capture and validation to reduce manual entry and errors.

• Approval workflows: Customizable, multi-layer approval processes to ensure proper authorization of expenses.

• Payment scheduling and execution: Ability to schedule and automate payments across various methods and currencies.

• Integration capabilities: Seamless connection with accounting software, ERP systems, and other financial tools.

• Reporting and analytics: Comprehensive insights into spending patterns, cash flow, and financial performance.

Compare the top accounts payable software in 2025

See how different accounts payable software solutions compare across key features, helping you make an informed choice for your business.

How can you reduce fees with accounts payable software?

Beyond time savings, AP software can drive meaningful cost reductions, especially for businesses managing high volumes of invoices, currencies, or cross-border payments.

Legacy systems often introduce hidden costs through manual file uploads, fragmented workflows, and limited payment capabilities. In contrast, modern solutions like Airwallex help reduce transaction fees and improve financial efficiency through direct integrations, real-time reconciliation, and bulk payment options.

Here are five ways accounts payable software can drive cost savings across your finance operations:

• Automate invoice processing: AI-powered scanning and matching reduce manual workload and lower processing costs by as much as 60–70% in some cases.

• Use multi-currency accounts: Avoid forced conversions and reduce international transaction fees by holding and paying in local currencies.

• Access competitive FX rates: Airwallex offers rates just 0.5–1% above interbank rates, helping to lower costs for cross-border reimbursements and supplier payments.

• Enable bulk payments: Free batch payment capabilities can significantly reduce per-transaction fees for high-volume businesses.

• Consolidate your financial tools: While many providers focus solely on accounts payable, platforms like Airwallex combine accounts payable, accounts receivable, and treasury, reducing the need for multiple systems and saving on software costs.

What questions should you ask when integrating accounts payable software?

Choosing the right accounts payable solution isn’t just about features; it’s about fit. A smooth implementation can save your team time, prevent downstream rework, and ensure an early ROI. Look for a platform that consolidates approvals, payments, and reconciliation in one place, and be prepared to ask the right questions before committing.

Here are some questions to guide your search:

• Does the solution integrate with our current technology? Ensure seamless integration with your existing ERP and accounting systems to avoid disruptions.

• How will the software address our specific needs? Discuss your unique challenges and verify that the solution can handle your specific use cases.

• What are the implementation timelines and milestones? Establish clear, measurable goals for the first 30, 60, and 90 days to track progress and return on investment (ROI).

• How does the solution handle invoice exceptions and approvals? Verify that the software can automate complex approval workflows and handle non-standard invoices.

• What security measures are in place to protect financial data? Inquire about encryption, access controls, and compliance with relevant financial regulations.

Why consider managing your business expenses with Airwallex?

Managing business expenses across borders is easier – and more cost-effective – with the right financial platform. Airwallex simplifies global spend with integrated tools that give finance teams greater visibility, control, and savings at every step.

Here’s how Airwallex helps modern businesses improve expense management and reduce costs:

• Comprehensive, all-in-one global solution: Airwallex offers a full suite of financial tools, including multi-currency accounts, international transfers, and customer payment acceptance, ideal for businesses operating globally or thinking about expansion.

• Real-time visibility and control: Track and control domestic and international employee expenses in real-time with Airwallex Corporate Cards, enabling better spend management across multiple entities.

• Automated expense submission: Employees can easily upload receipts and submit expenses on the go, while finance teams can review and approve in real-time.

• Seamless integrations: Airwallex integrates with popular accounting software like Xero and QuickBooks, enabling automatic reconciliation and simplifying financial management.

• Cost-effective international operations: With competitive FX rates and the ability to hold multiple currencies, Airwallex helps businesses minimize conversion fees and optimize their global financial operations.

By choosing Airwallex for accounts payable, businesses can benefit from a scalable, all-in-one platform that simplifies cross-border financial operations, reduces costs, and provides the tools necessary for efficient global growth.

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Disclaimer: We wrote this article in Q2 2025. The information was based on our own online research, and we were not able to manually test each tool or provider. The information is provided for educational purposes only and a reader should consider the specific requirements of their business when evaluating providers. This research is reviewed every six months. If you would like to request an update, feel free to contact us at [email protected].